How to Avoid the Top Tax Scams in 2026

The IRS recently released its list of the 12 most common tax-related scams for 2026, also known as the IRS Dirty Dozen. The list includes high-profile scams, such as criminals pretending to be IRS representatives and more subversive activities, such as people posting misleading tax advice on social media and setting up fake charitable organizations.

Take a moment to review the list below. What you learn may save you, or someone you care about, from identity theft or a serious financial loss.

IRS Phishing Emails, Spoof Texts and Scam Letters

Fake emails, texts and IRS letters are one of the primary ways criminals steal money from innocent people. Scammers often:

• Use alarming or threatening language.
• Ask taxpayers to “verify” their accounts.
• Require detailed personal information to claim fake refunds.

Scam emails may contain links that install malicious software, including ransomware. The IRS urges taxpayers to never click on unsolicited communications. The organization generally contacts taxpayers by mail first.

How to Report Scams to the IRS

If you receive a suspicious IRS-related call, hang up and visit IRS.gov/SubmitATip for guidance on what to do next, including how to report a scam attempt. You can report phishing or spear phishing emails by contacting phishing@irs.gov.

Social Media Scams and AI-Generated Misinformation

Misleading tax advice and “hacks” posted to social media can cause taxpayers to claim credits they aren’t eligible for. Generally speaking, if a credit or refund sounds too good to be true, it probably is.

The IRS also warns, “Taxpayers should not rely on AI-generated responses to complex tax questions, and they should verify any calculations or information provided by artificial intelligence.”

New to the IRS Dirty Dozen

Fake versions of Form 2439 (undistributed long-term capital gains claims) appeared in the IRS Dirty Dozen for the first time in 2026. It replaced a 2025 scheme that led people to believe they were eligible for a fuel tax credit.

Form 2439 allows shareholders of certain investment funds or real estate trusts to claim a credit for taxes paid on undistributed capital gains. The IRS has seen an increase in fake claims falsely linked to well-known organizations, as well as overstated or fabricated Form 2439 claims. The IRS warns, “Improper claims may result in refund delays, audits, penalties, or enforcement action.”

Ghost Preparers

Ghost preparers pretend to be legitimate professionals, but their end game is to steal sensitive personal information. The IRS provides detailed information on its website about how to choose a tax preparer and verify their credentials.

Fake Charities

There are a lot of kind-hearted people willing to donate money to victims of a national disaster or other worthy causes. Sadly, some people seek to profit from the generosity of others.

Avoid giving your credit card information to a fake charity by using the IRS Tax Exempt Organization Search Tool. It’s easy to use. Simply type in the name or Tax ID number of the organization you wish to verify. You can also use the tool to view a list of verified charities in your city or state.

What to Do If You Suspect a Scam

Contact your financial advisor and/or tax preparer if you receive a suspicious communication or receive tax advice that implies a big refund. Don’t click on any links or open any attachments.

If you think your tax identity has been compromised, visit IRS.gov/idtheft right away.

This article includes the major highlights of this year’s IRS Dirty Dozen. Read the complete list on the IRS website.

Related Reading:

• How the Real IRS Contacts You (IRS.gov)
• How to Protect Your Financial Information Online
• Common Scams and Cybercrimes: How to Protect Yourself and Vulnerable Loved Ones

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